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Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
Monetizing your Applications withPayPal X Payments Platform
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Monetizing your Applications with PayPal X Payments Platform

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Presentation from the 360 Flex conference. http://www.360flex.com/

Presentation from the 360 Flex conference. http://www.360flex.com/

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  • building and running an app is cheap buta successful and profitable company needsGood Monetization Strategyunfortunately most of the monetization techniques that people talk about rely heavily on advertisingAffiliate programsBanner adsBlog advertisingContextual adsInterstitial adsIn-text contextual adsCPA/CPC/CPMPaid Blog PostsLead GenerationRSS adsDataSurveys/Polls
  • A subscriptions model is where you charge your customers a flat membership fee (often charged weekly, monthly, yearly, or for lifetime)  to use your application, services, or content.   A pay as you use model is where you charge your customers based on the usage of your application - time, content, resources used, etc. without a fixed flat fee. Amazon Web Services (AWS) is a good and very successful example of Pay only for what you use. A free to use, pay to Services model is where you provide your application for free but charge your customers for services like customization, training, and other value added services. A good example are the companies that provide value added services for the Open Source software (ex. Linux Operating System, Drupal, MySQL, Java, etc.).   A freemiummodel is where you give away a basic version of your application for free and charge your customers for an enhanced version of your application that provides more extended feature set or content. There are several good examples of using the freemium model in the industry. Flickr, Skype, Newsgator, Trillian, Google App Engine, etc.. And last but not least the traditional eCommerce model which is usually about selling of products (digital/physical) online through your applications. Obviously we are not talking about selling products at the scale of big retailers (like Amazon & Walmart) out there, but most of the applications could provide ways for it’s customers to buy products (digital or physical) that are related to the application or content or services it is offering. A good example is a social gaming application that could provide merchandise like T-Shirts, Coffee mugs, Photo frames, etc.. with it’s brand name on it. As your application grows it’s audience base and, as it’s brand becomes more known among customers – you can generate revenue based on your brand in this way too. in most cases the monetization model really depends on what your application is providing. Also in some cases it is very important (as your monetization strategy gets more closely bound to the functionality – for example as in the pay as you use model where you would want to keep track of everything the customer is doing) to start thinking about the way you are going to monetize in the future during your application design and implementation phase itself. Otherwise you might be forced to redesign and/or re-implement your application when the times comes to turn the monetization switch on. And when you add different platforms, and devices on which  your application is being offered, it would obviously turn into a very costly affair.
  • Another important aspect of monetization, as you might guess, is the payments platform itself. There are several online payments platforms and solutions available out there in the industry and it becomes vital to choose one that not only provides the payments functionality in the way that you would want but also is economical in terms of the transaction and monthly fees.  
  • Not really – fortunately there are payment platforms out there that hide all the complexities for developers like you and me. PayPal X Payments Platform is one such platform that empowers developers to successfully monetize their applications in many different ways.Consumers, businesses, merchants, sellers, buyers, etc….
  • enabling
  • Transcript

    • 1. Monetizing your ApplicationswithPayPal X Payments Platform
      Praveen Alavilli
      Developer Evangelist
      PayPal X Developer Network
      @ppalavilli
    • 2. Agenda
      Monetization Models
      A quick overview of Payments
      PayPal X Payments Platform
      Adaptive Payments
      Development Process
    • 3. Monetization
      • to utilize (something of value) as a source of profit (Merriam-Webster)
      • 4. convert into or express in the form of currency (Oxford)
    • Monetization Models
      • Advertising
      • 5. Subscriptions
      • 6. Pay as you use
      • 7. Free to use, pay to Services
      • 8. Freemium
      • 9. eCommerce (Virtual Goods)
    • Payments, Payments, Payments
    • 10. What are Payments anyway ?
      exchange of value from one party to another
      As a developer, the sender and receiver may have many different names, depending on their role and objective.
    • 11. Payment Methods
      Travelers checks
      Bill payments
      Check or draft
      ACH payment
      Cards, cards, cards
      Net-based payments
      Many others
      • each payment method has unique features and attributes
      • 12. different technology to interface
      As a developer, you select the forms of payments that best fit your application and target the consumer experience.
    • 13. Credit Cards
      usage of the card is authorized by the issuer in real time
      PaymentSystem
      Acquirer
      Issuer
      Consumer
      Merchant
    • 14. How the Money moves
      authorizations are captured immediately and settled in batch
      PaymentSystem
      Acquirer
      Issuer
      Consumer
      Merchant
    • 15. Chargebacks
      Consumers have the right to chargeback transactions.
      PaymentSystem
      Acquirer
      Issuer
      Consumer
      Merchant
    • 16. Chargebacks
      Consumers have the right to chargeback transactions.
      The funds are withdrawn from the merchant’s account and credited to the consumer’s account.
      PaymentSystem
      Acquirer
      Issuer
      Consumer
      Merchant
    • 17. Debit Cards
      PaymentSystem
      Acquirer
      Issuer
      Consumer
      Merchant
    • 18. Debit Card differences
      PaymentSystem
      With debit cards, processed as a debit card, the authorization transaction and the settlement (capture) transaction are the same.
      Money movement is in real time.
      Acquirer
      Issuer
      Consumer
      Merchant
    • 19. Bank Accounts & ACH
      PaymentSystem
      ODFI
      RDFI
      Consumer
      Merchant
    • 20. PaymentSystem
      With Automated Clearing House (ACH), there is no authorization transaction.
      Money movement is batch.
      ODFI
      RDFI
      Consumer
      Merchant
      Bank Accounts & ACH
    • 21. Do I really need to worry about these ?
    • 22. PayPal X Payments Platform
      Pay Anyone and Receive from Anyone !
      Provides APIs to:
      • Facilitate Payments
      • 23. Manage Accounts 
      • 24. Information and Reporting
    • Enabling Different kinds of Payments
      Simple/Parallel/Chained Payments
      Preapprovals
      Subscriptions
      Reference Transactions
      Disbursements
      Micropayments
      Rewards
      Donations
      Digital Goods
      Gift Certificates
    • 25. While taking care of
      Risk and Fraud Management
      Security
      Compliance
      Settlements
      Refunds/Charge backs
    • 26. Adaptive Payments API
      USE CASES
      A money movement service that is configurable or "Adaptive" to allow innumerable use cases
      • Configurable service suite for any type of payment or transfer
      • 43. Not limited to web eCommerce payments
      Advanced feature: Modular payment approval
      • Built for web, mobile, future, or custom methods for approval
      • 44. Pre-approval allows for approval off PayPal.com
      Advanced feature: Pre-approved payments
      • Pre-approval for one-time, multi-use, and subscription payments
      • 45. Configurable personal identification number (PIN) support
      Advanced feature: Parallel and chained payments
      • Allows single payment to multiple receivers
      • 46. Facilitates multiple use cases: marketplace payments, service fees, multi-merchant checkout, and so on
    • WHAT YOU GET WITH ADAPTIVE PAYMENTS
      • Send money
      • 47. Implicit send money
      • 48. Pre-approved payments (with PIN)
      • 49. Parallel split payments
      • 50. Chained split payments
    • THE ACTORS
      PayPal
      The Sender
      A person or business whose PayPal account is being credited
      A person or business whose PayPal account is being debited
      C
      The Receiver
      The API CALLER
      The API access account who makes the Adaptive Payments service calls: may be the sender, one of the receivers, or a third party
    • 51. SEND MONEY
      Basic building block allows merchants to transfer money from one entity to another
    • 52. PREAPPROVED PAYMENTS
      • Pre-authorization of money transfer from customer (sender) to API caller
      • 53. Allows an API caller to make payments on behalf of a sender within the constraints specified
      • 54. PIN optional for future payments made within the authorized amount
      C
      Pre Approval
    • 55. PARALLEL PAYMENTS
      • Pay multiple recipients at once
      • 56. Future interactions with each transaction can be separate
      • 57. Enable partnership opportunities
      ₤10
      ₤100
      ₤40
      Sender Visibility
      ₤50
    • 58. CHAINED PAYMENTS
      Instant payment and disbursements
      Sender sees one payment to primary receiver
      In one motion, money to secondary receivers sent
      Supports commission-based payments
      ₤100
      ₤10
      ₤40
      Sender Visibility
      Primary
      ₤50
      • Funds transfer is serial
      • 59. Reversal and refund tools available to manage business agreements between receivers
    • COMBINE
      Primary
      AND
      C
      Pre Approval
    • 60. COMBINE
      AND
      C
      Pre Approval
    • 61. COMBINE
      X
      Primary
    • 62. COMBINE
      Primary
      AND
    • 63. So what can I do with Adaptive Payments?
    • 64. SOCIAL NETWORKING
      • Want to build a person-2-person send money application for your favorite social networking site?
      • 65. You can design a payment solution using Adaptive Payments.
    • GAMING
      • Want to build a game that takes micropayments on a pay as you go basis?
      • 66. You can design a payment solution using Adaptive Payments.
    • GAMING PLATFORM
      • Want to host many games and take a cut of the payment and pass the rest on game creator?
      • 67. You can design a payment solution using Adaptive Payments.
      Primary
    • 68. PAYOUTS
      • Want to create an application to allow people to pay their employees or their vendors exclusively through an API?
      • 69. You can design a payment solution using Adaptive Payments.
    • CROWD SOURCING
      • Want to create a business that needs to pay a workforce in the cloud?
      • 70. You can design a payment solution using Adaptive Payments.
      OR
      Primary
    • 71. DISTRIBUTED REFERRAL
      • Want to create a simple referral program for shopping carts?
      • 72. You can design a payment solution using Adaptive Payments.
      Primary
    • 73. RENT PAYMENTS
      • Want to create an application for landlords to collect rent?
      • 74. You can design a payment solution using Adaptive Payments.
    • API
      WEB
      UseCase
      Sender
      Business
      Send money
      Implicit send money
      Pre-approved payments (with PIN)
      Split payments: chained
      Pay API
      Pay Key
      Redirect User to PayPal
      39
      User Name = P_Mart_admin.api Currency = USD
      Password = keep$secret Receiver email = Business@P_Mart.com
      Signature = 23KJHO5AS09I32SDROR Tracking ID = 234235986
      Sender Email = john_m@mail.com Cancel URL = www.P_Mart.com/home
      Amount = 100 Return URL = www.P_Mart.com/apstore
      Request
      Pay Key = PA-84HK2A57FCOP3RW
      Response
      39
      Confidential and Proprietary
      39
    • 75. PAYMENT APPROVAL: WEB MODULE
      1. Login
      Payment Confirmation
      2. Review Your Payment
      3. Redirect
    • 76. API
      WEB
      UseCase
      Sender
      Business
      Send money
      Implicit send money
      Pre-approved payments (with PIN)
      Split payments: chained
      Pay API
      Pay Key
      Redirect User to PayPal
      Return URL
      41
      Redirection URL= www.P_Mart.com/apstore
      IPN= https://ww.P_Mart.com/IPN
      Sender Email: john_m@mail.com
      Receiver Email: Business@P_Mart.com
      Redirect
      Confidential and Proprietary
      41
      Notification
      Confidential and Proprietary
      41
    • 77. API
      WEB
      UseCase
      Sender
      Photographer
      Send Money
      Implicit send money
      Pre-approved payments (with PIN)
      Split payments: chained
      Pay API
      Pay Key
      42
      42
      User Name = P_Mart_admin.api Amount = 2000
      Password = keep$secret Currency = USD
      Signature = 23KJHO5AS09I32SDROR Fee Paid by = Sender
      Sender Name = Business@P_Mart.com
      Receiver email = Photographer1@mail.com
      IPN= https://www.P_Mart.com/IPN
      Sender Email: Business@P_Mart.com
      Receiver Email: Photographer1@mail.com
      Request
      Notification
      Paykey = AP-234DEF95GAT230BET
      Status = Complete
      Response
    • 78. API
      WEB
      WebGames
      UseCase
      Sender
      Receiver
      Send Money
      Implicit send money
      Pre-approved payments (with PIN)
      Split payments: chained
      PreApproval
      PreApp Key
      Redirect User to PayPal
      User Name = WebGames_admin.api Amt. per Payment = 100
      Password = keep$secret Max. Number of Payments = N/A
      Signature = 23KJHO5AS09I32SDROR Payment Period = N/A
      User Email = john_m@mail.com Max. Payments per Period = N/A
      Expiration Date = 12/30/2009 Day of Period = N/A
      Starting Date = 11/05/2009 Return URL = www.WebGames.com/apstore
      Max. Amount = 1000 Cancel URL = www.WebGames.com/home
      PreApproval Key = PA-84HK2A57FCOP3RW
      Request
      PreApproval Key = PA-84HK2A57FCOP3RW
      Response
      Redirect User
      Confidential and Proprietary
      43
      Confidential and Proprietary
      43
      Pre-approved Payment AgreementSign-Up
    • 79. 1. Login
      PRE-APPROVAL: WEB MODULE
      2. Review Your Payment
      3. Redirect
    • 80. API
      WEB
      WebGames
      UseCase
      Sender
      Receiver
      Send Money
      Implicit send money
      Pre-approved payments (with PIN)
      Split payments: chained
      PreApproval
      PreApp Key
      Redirect User to PayPal
      Return URL
      IPN= https://ww.WebGames.com/IPN
      Sender Email: john_m@mail.com
      Receiver Email: GameDeveloper@paypal.com
      Notification
      Pre-approved Payment AgreementSign-Up
    • 81. API
      WEB
      UseCase
      Sender
      Rental App
      Send Money
      Implicit send money
      Pre-approved payments (with PIN)
      Split payments: chained
      Pay API
      Pay Key
      Redirect User to PayPal
      Return URL
      User Name = Rental_admin.api Secondary Receiver [2] = Sec Receiver_2@mail.com
      Password = keep$secret Amount = 50.00
      Signature = 23KJHO5AS09I32SDROR Tracking ID = 234235986
      Sender Email = john_m@mail.com Cancel URL = www.PayRent.com/home
      Currency = USD Return URL = www.PayRent.com/apstore
      Primary Receiver [0] = Prim Receiver@mail.com
      Amount = 1000.00
      Secondary Receiver [1] = Sec Receiver_1@mail.com
      Amount = 40.00
      Request
      IPN= https://www.Rental.com/IPN
      Sender Email: john_m@mail.com
      Receiver Email: PrimReceiver@paypal.com
      Pay Key = PA-84HK2A57FCOP3RW
      Response
      Notification
      Confidential and Proprietary
      46
      Confidential and Proprietary
      46
    • 82. Development Process
      Submit for application review
      Get API credentials
      Go Live
      Design and build application
      Create Sandbox account
      Get APP ID
      Signup on
      x.com
    • 83. X.Com – Developer Portal
    • 84. X.com
      • Technical Docs for all products
      • 85. SDKs and Sample code
      • 86. Forums – non-moderated content
      • 87. Blogs – PayPal and developers
      • 88. Connected with PayPal Site
      • 89. Docs rating and commenting
      • 90. Instant feedback from developers
      • 91. Videos
      • 92. Application ID (AppID)
    • Sandbox (developer.paypal.com)
      • Manage Sandbox test accounts
      • 93. Manage Sandbox API Credentials
      • 94. Monitor Sandbox payment confirmation emails
      • 95. Instant Payment Notification Simulator
    • LEARN AND SHARE
      www.x.com
      Twitter: @paypalx, @ppalavilli
      www.facebook.com/paypalx

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